Foreclosure Defense and Loan Modification Blog

Mistake By Loan Servicer Drives IL Homeowner Into Foreclosure

Posted by Maxwell Swinney

Saturday, November 18, 2017

Normally people fall into foreclosure because they don't have enough money to pay their mortgage. But sometimes it's a mistake from the mortgage servicer, not any fault of the borrower, that puts someone into foreclosure. That's the case for a recent client of our firm, who I'll call Ms. Craig to protect her privacy.

Ms. Craig is a school teacher who has owned a home near Chicago, Illinois since 2002. For nearly a decade and a half things went pretty smoothly with her home and finances.

Then in 2016, Ms. Craig filed for Chapter 7 bankruptcy to deal with some debt that was not related to her mortgage. Her home was not included in the bankruptcy and she continued to make her mortgage payments during bankruptcy.

Mortgage Servicer Changed

Also in 2016, the servicing rights to Ms. Craig's mortgage were transferred from Loan Care to Freedom Mortgage. It's a servicer's right to sell the servicing rights to another company if they wish, and the borrower has no say in it.

Servicing is supposed to continue as normal during and after the transfer, but that's not what happened in Ms. Craig's case.

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Topics: loan modification, foreclosure, freedom mortgage loan modification

Successful Loan Modification Roundup Week of 10/13/17

Posted by Maxwell Swinney

Friday, October 13, 2017

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Cenlar, Home Point Financial, Seterus, Freedom Mortgage, and Citi:


Our Cenlar client was 12 months and $22,362 past due on mortgage, now has an FHA-HAMP loan modification with massive $401.66 monthly savings!

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Topics: loan modification, citi loan modification, seterus loan modification, cenlar loan modification, home point loan modification, freedom mortgage loan modification

About this Blog

Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes.

Click to Read Our Super Loan Mod Success Stories

Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a free consultation at any time.

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